The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,882
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,624
−HK$755/mo
Today · 4.125%
HK$25,379
baseline
▲ 0.50% · 4.625%
HK$26,923
+HK$1,544/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,758/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,568
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,281
−HK$722/mo
Today · 4.125%
HK$28,003
baseline
▲ 0.50% · 4.625%
HK$29,480
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,006/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,658
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,549
−HK$906/mo
Today · 4.125%
HK$30,455
baseline
▲ 0.50% · 4.625%
HK$32,308
+HK$1,853/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,910/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,882
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,737
−HK$867/mo
Today · 4.125%
HK$33,604
baseline
▲ 0.50% · 4.625%
HK$35,375
+HK$1,771/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,208/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,434
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,474
−HK$1,057/mo
Today · 4.125%
HK$35,531
baseline
▲ 0.50% · 4.625%
HK$37,693
+HK$2,162/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,062/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,195
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,193
−HK$1,012/mo
Today · 4.125%
HK$39,205
baseline
▲ 0.50% · 4.625%
HK$41,271
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,410/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,987
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,324
−HK$1,359/mo
Today · 4.125%
HK$45,683
baseline
▲ 0.50% · 4.625%
HK$48,462
+HK$2,779/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,366/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,823
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,105
−HK$1,301/mo
Today · 4.125%
HK$50,406
baseline
▲ 0.50% · 4.625%
HK$53,063
+HK$2,657/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,812/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,746 · Scale 2, in force from 26 Feb 2026)